My BR & defaults are due to drop off my CRA files in early March. About 6 months after going BR in 2008 i got a Vanquis card & Cashplus card with Credit Builder. About a yr later the Vanquis card was upgraded to a gold card & a year ago i got an Aquacard. All this was done to re-build my credit record.
I have also got my various insurances etc on monthly DD. I have never missed a payment on anything & managed my new credit responsibly
Due to some emergencies last year i do have a balance on the Vanquis & Aqua cards but i am paying them down with payments well above the minimum payment.
I was thinking when all the bad stuff falls off my files in March about applying for a mainstream cr card offering zeo % balance transfers. However, should i avoid applying to providers who are former creditors or providers linked to them as i believe they can still legally hold blacklists after the BR & defaults have dropped off CRA files. I don't want to chance un-successful cr searches on my files.